From 37fa92cdbed9b9095bb61ae18037c699836b0ce6 Mon Sep 17 00:00:00 2001
From: dimengzhe <dimengzhe>
Date: Sat, 7 Oct 2023 16:32:51 +0800
Subject: [PATCH] =?UTF-8?q?=E9=87=91=E8=9E=8D=E6=96=B9=E6=A1=88=E6=B7=BB?=
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---
 .../biz/loansolutions/LoanSolutionsService.java          | 9 ++++-----
 1 file changed, 4 insertions(+), 5 deletions(-)

diff --git a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
index 56e232d646..2bfe064f72 100644
--- a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
+++ b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
@@ -1320,7 +1320,8 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
             policyYearRatioNew = policyYearRatioNew.setScale(2, BigDecimal.ROUND_HALF_UP);
             if(policyYearRatioNew.compareTo(BigDecimal.ZERO)<0){
                 //根据年利率和期数、贷款金额计算月还
-                loanPayMoneyNew = calculatePMT(BigDecimal.ZERO.divide(new BigDecimal("100"), 4, BigDecimal.ROUND_CEILING).doubleValue(), new BigDecimal(loanPeriod).doubleValue(), loanAmount.doubleValue());
+//                loanPayMoneyNew = calculatePMT(BigDecimal.ZERO.divide(new BigDecimal("100"), 4, BigDecimal.ROUND_CEILING).doubleValue(), new BigDecimal(loanPeriod).doubleValue(), loanAmount.doubleValue());
+                loanPayMoneyNew = loanAmount.divide(new BigDecimal(loanPeriod),4,BigDecimal.ROUND_CEILING);
                 //根据月还计算利息总额=月还金额 乘以 期数 减去 本金
                 loanInterestNew = loanPayMoneyNew.multiply(new BigDecimal(loanPeriod)).subtract(loanAmount);
                 //四舍五入取整数
@@ -1392,7 +1393,8 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
                 otherPolicyYearRatioNew = otherPolicyYearRatioNew.setScale(2, BigDecimal.ROUND_HALF_UP);
                 if(otherPolicyYearRatioNew.compareTo(BigDecimal.ZERO)<0){
                     //根据年利率和期数、贷款金额计算月还
-                    otherPolicyMonthlyRepayNew = calculatePMT(BigDecimal.ZERO.divide(new BigDecimal("100"), 4, BigDecimal.ROUND_CEILING).doubleValue(), new BigDecimal(otherPolicyPeriod).doubleValue(), new BigDecimal(otherPolicyAmount).doubleValue());
+//                    otherPolicyMonthlyRepayNew = calculatePMT(BigDecimal.ZERO.divide(new BigDecimal("100"), 4, BigDecimal.ROUND_CEILING).doubleValue(), new BigDecimal(otherPolicyPeriod).doubleValue(), new BigDecimal(otherPolicyAmount).doubleValue());
+                    otherPolicyMonthlyRepayNew = new BigDecimal(otherPolicyAmount).divide(new BigDecimal(otherPolicyPeriod),4,BigDecimal.ROUND_CEILING);
                     //根据月还计算利息总额=月还金额 乘以 期数 减去 本金
                     otherPolicyInterestNew = otherPolicyMonthlyRepay.multiply(new BigDecimal(otherPolicyPeriod)).subtract(new BigDecimal(otherPolicyAmount));
                     //四舍五入取整数
@@ -1608,9 +1610,6 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
     public static BigDecimal calculatePMT(double rate, double nper, double pv) {
         double v = (1 + (rate / 12));
         double t = (-(nper / nper) * nper);
-        if(rate == 0.0){
-            return BigDecimal.ZERO;
-        }
         double result = (pv * (rate / 12)) / (1 - Math.pow(v, t));
         return new BigDecimal(result);
     }